Our approach to coverage means offering your pet nose-to-tail accident and illness protection for the unexpected plus the option of adding Wellness Rewards for routine veterinary care.
What does Embrace coverage include?
We provide one simple yet comprehensive plan to cover your dog or cat against unexpected accidents and illnesses. You can choose your annual maximum, deductible, and reimbursement percentage. No matter how you personalize your policy, your pet will enjoy coverage for the following:
To help with the routine care of your pet we offer the following optional products:
- Wellness Rewards for items like annual check-ups, spay/neuter procedures, vaccines, heartworm medications, teeth cleaning, and more
Wellness Rewards is not insurance, but more like a flexible health savings account that you can add to any pet insurance policy.
Which pets are eligible for coverage?
To be eligible for full accident & illness coverage at sign up, your pet must fall into any of the following categories:
- Mixed breed dogs (including hybrids) aged 8 or younger
- Purebred dogs aged 6 or younger
- Mixed breed cats aged 10 or younger
- Purebred cats aged 8 or younger
- AND your pet has not been diagnosed with or shown symptoms of diabetes, Cushing's disease, or FeLV/FIV.
If your pet begins his Embrace policy within these guidelines, then the accident & illness coverage is locked in for life. If your pet is outside these guidelines at sign up, we offer an accident-only plan.
For example, if Hannah the Dachshund enrolls at age 3, she is eligible for the accident & illness plan, and she will keep that same accident & illness coverage even past these guidelines. If Charles the Tabby Cat is 14 years old, he is eligible for the accident-only plan.
Will my pet be covered for life?
Yes. Once your pet is signed up with Embrace, you can rest assured your pet will be in good hands. If your pet is eligible for accident and illness coverage when enrolling today then that full coverage will continue as long as your pet remains insured with us. We will not drop your pet's coverage at a certain age, nor will we change it. Any changes in coverage are totally up to you.
What is not covered?
You can read up on our exclusions which include items like prosthetic limbs or nuclear war, and familiarize yourself with how we handle pre-existing conditions.
How much do Embrace pet insurance policies reimburse?
Embrace policies can be personalized to fit any budget without sacrificing coverage. For example, you might want 90% reimbursement with a $500 deductible or 80% reimbursement with a $200 deductible. No matter what you choose, every pet enrolled has the same comprehensive coverage, including chronic conditions, genetic conditions, alternative therapies and more.
Each pet has an annual maximum for reimbursement that can be set at $5,000, $10,000 or $15,000, as well as a lifetime payout maximum of $50,000. No pet has yet reached the $50,000 lifetime limit.
When will my coverage start?
Our waiting period for accidents and illnesses is 14 days. For coverage to start, each pet you are insuring must have visited a vet within the past 12 months. If you have a new pet or your pet hasn't seen a vet in the last 12 months you can take your pet in during the waiting period without any loss of coverage.
Once insured we encourage but do not require you to visit your veterinarian. Our Wellness Rewards can help you budget for vet visits and other routine care items.